Get a VPN and your problems are solved, no?
Dont use real names when dealing with onlyfans/models and always use a dummy email you would only use for porn related stuff.
It doesn't matter if "they know" who you are if you're using a fake name and email with a VPN to boot. Also a lot (If not all by now) of these companies use processing merchants to make the transactions so even if they knew who you are they cant just expose your real identity to whoever makes a claim.
In the case that you do get caught somehow by the owner they will always ask you to take the material down first. That's because they know the alternative is a long arduous, legal process that will cost them more money then what they are asking for.
That's why piracy is so rampant. It literally cannot be stopped. That goes twice for porn which in my opinion, is far more leniant than say, a Hollywood movie company that does actually have a lot more resources.